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Emron Andrew

Andrew Family Retreat w/ a Purpose Day #4

March 16, 2009

We began our day with Emron & Harmony’s devotional on family communication and cultivating relationships.

We filled out our worksheets on which relationships we would like to make stronger and how we can do that.

Then we moved on to “communication” and each took turns sharing how and when we best communicate and how we least like to communicate (which inevitably caused us all to pipe up about certain “people” or “situations” within the family communication that are less than savory to us….all in good fun of course ).

After we all got a few good laughs in, the discussion got a bit more focused and we all benefited (as usual) from the discussion.

Most of the clan headed to Fleming beach (the favorite beach for boogie boarding) while Doug and Heather went to scope out Honolua Bay for snorkeling conditions.  It looked pretty good aside from the surf break out on the mouth of the bay so we hiked down and gave it a whirl.

Despite the beautiful weather and the seemingly clear water, the water was actually super murky and we saw only a couple turtles and a few fish.

So we headed back to Flemings Beach to meet up with the rest of the family to catch some waves…which were sooooo big and most people were just being tossed around and gulping salt water!  But the weather was beautiful so we sun bathed and chatted a while.

That evening, we went to Roy’s for dinner (our absolute favorite place) and enjoyed a wonderful dinner followed by the absolutely decadent chocolate soufflé that only Roy’s can whip up!!!  We dive into those so fast it gets brutal.

Aaron & Heather discussed the chapter from The Intentional Family: Simple Rituals to Strengthen Family Ties Andrew Family Retreat w/ a Purpose Day #4, titled “Going Out, and Going Away”  in which we led a discussion on the importance of creating family rituals in going out for little treats or dinner on a somewhat regular basis to create traditions or rituals that members of the family all look forward to, and is a time to come together and bond/ strengthen our relationships with each other.

The Andrew family has several established family rituals of “Going Away” or going on a family trip where much time is devoted to spending time with the family, and strengthening family ties.

This book, The Intentional Family: Simple Rituals to Strengthen Family Ties Andrew Family Retreat w/ a Purpose Day #4, is great and continually discusses the importance of creating rituals within the family, which are meant solely to bring the family closer together rather than further apart as is more often the case as children and family are distracted with sports, clubs, friends, obligations, and interests outside the home that do not involve the whole family.

I have enjoyed reading and discussing the book, and value the importance of these rituals, and would recommend this book to anyone!

Mahalo,

Aaron and Heather

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Andrew Family Retreat w/ a Purpose Day #3

March 10, 2009

Aloha from Hawaii! We have enjoyed a wonderful day together as a family. As we do at home, we attended our church service in the morning and then had a wonderful brunch together.

As always, it has been a beautiful day. After brunch we started our morning devotional led by Doug and Sharee. The topic was appreciating your heritage. We discussed the importance of our heritage and lessons and values we have been blessed with through the many generations. We were able to reflect and share our experiences with grandparents and great-grandparents. Our positive focus for the morning was about developing leadership, relationships and creativity. Doug has taught the family many things about taking negative experiences and finding the opportunity in it. We grow through our trials often times much greater than when times are peaceful and at ease.

To keep the kids involved we play a match game. They had to match a spiritual leader to a quote. It helped the kids learn about each of the people.

Today is a day we reserve for spiritual growth and family time. Instead of heading to the beach or swimming in the pool we held a meeting to set our new goals through the clarity experience. Many TEAM members and others are very familiar with this ritual. It helps each family member give more focus for the next two years on what we would like to accomplish. I love it because it is the time I actually get to write down my goals and give them serious thought.

We shared some of our family memories (Remember Whens) and we were able to prepare dinner for everyone.

We hope you enjoy our thoughts!

Emron and Harmony

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Risk and Liquidity

December 18, 2008

Whenever you look at risk, you should simultaneously be looking at liquidity. You can understand your risk exposure best by initially analyzing your liquidity. Do you have enough cash that is accessible to pay your mortgage, and pay all other bills? For how long? How about enough to allow you to ride out a downturn in the market, economy or job loss?

Be sure that you start with a sound foundation when building wealth. That starts with liquidity and managing risk. It is like the song I used to sing in Sunday School about the wise man versus
the foolish man.

1. The wise man built his house upon the rock, The wise man built his house upon the rock, The wise man built his house upon the rock, And the rains came tumbling down.

2. The rains came down, and the floods came up, The rains came down, and the floods came up, The rains came down, and the floods came up, And the house on the rock stood still.

3. The foolish man built his house upon the sand, The foolish man built his house upon the sand, The foolish man built his house upon the sand, And the rains came tumbling down.

4. The rains came down, and the floods came up, The rains came down, and the floods came up, The rains came down, and the floods came up, And the house on the sand washed away.

Emron Andrew

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Understanding, Managing & Reducing Risk is Paramount in Building Wealth

December 17, 2008

We talk a lot about optimizing assets, and understanding, managing and reducing risk is paramount in this process. You cannot achieve financial independence until you understand the risk exposure you have on all your assets.

Once you understand all the different types of risk with your home, real estate, IRAs, 401(k)s, retirement accounts, insurance, etc.; you can then begin to learn how to manage and reduce your risk exposure.

I did not say eliminate risk. There is no way you can completely remove all risk. Even if you were able to, there would be no return nor any reward. You would remain stationary with no opportunity for growth. Risk is essential to building wealth, but it can also be its demise.

One way to manage and reduce risk is to share the risk with someone else or with another entity. That way you do not have full exposure and neither does the other party. But together you are stronger and can be empowered to do much more. The most common example of this is a mortgage on your home. But it also can be applied to your retirement accounts, life insurance, and other long term investments.

Emron Andrew

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